本文關(guān)鍵詞：吉林省農(nóng)村物流金融發(fā)展研究　出處：《吉林財經(jīng)大學》2017年碩士論文　論文類型：學位論文

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【摘要】：建設社會主義新農(nóng)村是我國現(xiàn)階段的重大歷史任務,而大力發(fā)展農(nóng)村經(jīng)濟是建設社會主義新農(nóng)村的重要任務。在全面發(fā)展農(nóng)村經(jīng)濟的過程中,農(nóng)村金融問題的解決是一個重要的突破口。農(nóng)業(yè)經(jīng)濟發(fā)展資金短缺,農(nóng)村金融市場上大量資金通過郵政儲蓄和商業(yè)銀行流向了城市和發(fā)達地區(qū),導致原來匱乏的農(nóng)村資金更加匱乏。從商業(yè)銀行的角度來看,針對農(nóng)戶的都是小額貸款,管理成本和信息成本很高,在利潤最大化的市場原則下,慢慢地失去了對農(nóng)村地區(qū)小額貸款的力度。因此農(nóng)民貸款難、融資難已成為嚴重制約我國農(nóng)村經(jīng)濟發(fā)展的瓶頸。而農(nóng)村不斷擴大的金融需求就使得開發(fā)新的金融產(chǎn)品和采用新的金融模式顯得日益迫切。在電子商務飛速發(fā)展的今天,農(nóng)村經(jīng)濟的發(fā)展也要和電子商務緊密結(jié)合在一起,但是由于我國農(nóng)村物流設施設備和技術(shù)水平低下、物流企業(yè)規(guī)模偏小、物流管理滯后、物流人才匱乏等因素,嚴重制約了農(nóng)村物流的發(fā)展。這在一定程度上,就對農(nóng)村經(jīng)濟的發(fā)展起到了抑制作用。因此,加強農(nóng)村物流體系建設對社會主義新農(nóng)村建設具有重大促進意義,如何實現(xiàn)農(nóng)村物流與金融的有效結(jié)合,解決普通農(nóng)戶以及農(nóng)村中小企業(yè)融資困境,擴大物流企業(yè)業(yè)務范圍、降低其運營成本,增強農(nóng)村金融機構(gòu)的產(chǎn)品創(chuàng)新是值得關(guān)注和研究的問題,物流金融作為一種金融產(chǎn)品,能夠增強物流企業(yè)的業(yè)務范圍,同時能夠很好的解決農(nóng)戶以及農(nóng)村地區(qū)相關(guān)企業(yè)融資難的現(xiàn)象。本文介紹了物流金融相關(guān)概念、理論以及模式,通過對吉林省農(nóng)村地區(qū)物流金融的規(guī)范以及支撐體系、參與主體以及相關(guān)具體模式的概括,總結(jié)了吉林省農(nóng)村地區(qū)物流金融發(fā)展中存在的問題,主要包括經(jīng)濟發(fā)展水平落后、農(nóng)村地區(qū)法律制度不健全、政府缺乏有效的引導以及金融機構(gòu)產(chǎn)品單一、農(nóng)村地區(qū)物流發(fā)展落后等,并給出合理的建議,為吉林省農(nóng)村物流金融的發(fā)展提供一定的參考。
[Abstract]:The construction of new socialist countryside is a major historic task in the present stage of our country, and vigorously develop the rural economy is an important task of building a new socialist countryside. In the process of the comprehensive development of the rural economy, solve the problem of rural finance is an important breakthrough in the development of agricultural economy. The shortage of funds in rural financial market, large capital flows city and developed regions through the postal savings and commercial banks, leading to the original lack of funds more scarce in rural areas. From the perspective of commercial banks, the farmers are small loans, management cost and information cost is very high, in the market the principle of profit maximization, slowly lost to rural microfinance efforts. Therefore, the farmers' loans, financing has become the bottleneck of the development of rural economy in China. While expanding rural financial demand makes the development of new financial The product and the adoption of new financial model becomes increasingly urgent. The rapid development of e-commerce today, the development of rural economy should also work closely together and e-commerce, but because of the low rural logistics facilities and technical level of our country, the scale of logistics enterprise is small, logistics management lags behind, logistics talent shortage and other factors, serious restrict the development of rural logistics. This to a certain extent, on the development of rural economy has played a inhibition. Therefore, strengthening the construction of rural logistics system is of great significance to promote the construction of new socialist countryside, how to integrate the rural logistics and finance, to solve the ordinary farmers and rural small and medium-sized enterprises financing difficulties, expand business the scope of logistics enterprises, reduce operating costs, enhance product innovation of rural financial institutions is worthy of attention and study the problem of logistics finance as a financial The product can enhance the logistics enterprise, business scope, and financing related enterprises is a good solution to farmers and rural areas. This paper introduces the related concepts of logistics finance, theory and model, through the logistics finance in rural areas of Jilin Province as well as the specification of the support system, participants and specific patterns of generalization, summed up the existence of logistics financial development in rural areas in Jilin Province, including the level of economic development of backward rural areas, the legal system is not perfect, the lack of effective guidance and financial institutions in product development is single, backward rural areas of logistics, and gives reasonable suggestions, provide a reference for the development of logistics finance in rural areas of Jilin province.

【學位授予單位】：吉林財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.35;F259.2

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